Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$305,940+2.2% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$66,321About 0.8× the local median income ($83,230): affordable for a typical household
Days on market44 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+3.0%Zillow expects prices to rise slightly
The typical home in Cincinnati, OH-KY-IN is worth $305,940, up 2.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $266,808, so the area is 14.7% overvalued. It is a balanced market, leaning toward buyers: homes take about 44 days to sell, listings are up 22% from a year ago, 21% of listings have had a price cut. Zillow expects prices to rise about 3.0% over the next year. A household needs about $66,321 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $83,230. Typical rent is $1,522 a month, or $2,046 for a house. In the latest IRS figures, 1,073 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$305,940
Change in 1 year
+2.2%
Overvalued %
+14.7%
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Fair home value
$266,808
Change in 5 years
+26.3%
Zillow forecast, next 12 months
+3.0%
Home value to income
3.7×
Monthly mortgage payment (20% down)
$1,658
Income needed to afford it
$66,321
Property tax rate
1.18%
Rent and investing
Typical rent
$1,522
Typical rent for houses
$2,046
Price-to-rent ratio
16.7×
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HUD Fair Market Rent, 2 bedrooms
$1,428
Gross rental yield
5.97%
Cap rate (estimate)
3.88%
Market activity
Listings vs a year ago
+21.6%
Days on market
44
Listings with a price cut
21.4%
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Homes for sale
5,286
Pending sales per 100 listings
52
Asking price per sq ft
$189
People and jobs
Median household income
$83,230
Population change (1 year)
+0.6%
Unemployment rate
4.4%
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Population
2,312,858
Income adjusted for cost of living
$87,243
Net moves in (IRS)
−1,073
Cost of living (US = 100)
95.4
Schools, risk and environment
School rating (1 to 10)
6.2
FEMA hazard risk score (0 to 100)
82.7
Unhealthy air days a year
8
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Flood risk score
84.7
Wildfire risk score
37.8
Walkability (1 to 20)
8.9
Road, rail and air noise
53 dB
Questions people ask
Is Cincinnati, OH-KY-IN overvalued?
Home prices in Cincinnati, OH-KY-IN are well above what local incomes have historically supported: fair value is about $266,808, so the area is 14.7% overvalued.
Is Cincinnati, OH-KY-IN a buyer's or seller's market?
Cincinnati, OH-KY-IN is a balanced market, leaning toward buyers: homes take about 44 days to sell, listings are up 22% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Cincinnati, OH-KY-IN?
Home values in Cincinnati, OH-KY-IN are up 2.2% over the last year. Zillow's forecast for the next 12 months is +3.0%.
How much do you need to earn to buy a home in Cincinnati, OH-KY-IN?
A household needs about $66,321 a year to afford the typical home in Cincinnati, OH-KY-IN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $83,230.